There are resources available to help you and your loved ones if you are being harassed about a past due debt, or if you are being falsely accused of owing a debt that isn’t yours. The Fair Debt Collection Practices Act (FDCPA) was enacted by Congress in 1978 to put a halt to unscrupulous debt collection practices and end the harassment of third-party debt collectors.
While there are laws to protect consumers, third-party debt collectors such as USI Solutions, Inc., often disregard those laws and continue harassing consumers. If they failed to validate your debt or if they are harassing you, you can take legal action against them.
What Is A Debt Validation Letter And Why Do You Need It?
Just because you receive a bill from USI Solutions, Inc., doesn’t mean you owe it. You should always ask for validation of the debt from the collection agency. Don’t make payments until it has been validated. You have the legal right to ask USI Solutions, Inc., to send a validation letter, which should detail the original debt, proof that you owe it, the amount owed, any fees or other charges, and the other specifics regarding the debt.
USI Solutions, Inc., has five days to respond for your request for validation of debt. If they fail to respond to the request for validation of the debt, they are in violation of the FDCPA. You can file a legal claim against USI Solutions, Inc., to recover compensation for the damages that they caused you during the debt collection process. You should maintain documentation and evidence for your claim.
Damages You May Be Entitled To Recover
If you file a claim against USI Solutions, Inc., and it succeeds in court, you can recover $1,000 in statutory damages. You may also claim physical and emotional damages, which are actual damages. Any ailments should be visible or easily proven, such as cardiac problems caused by stress, headaches and migraines, or rashes and hives. Maintain thorough records supporting your claim.
Keep all correspondence and documentation and be sure to keep medical bills and medical records. The court can also hold USI Solutions, Inc., responsible for your attorney’s fees and legal expenses. You can claim mental anguish if the situation has caused anxiety, stress, or depression. Also, you can ask for lost wages and garnished pay, but you must provide evidence to support your claim against USI Solutions, Inc.
![Did USI Solutions, Inc., Not Validate Your Debt?]()
Speak With An FDCPA Attorney
If USI Solutions, Inc., hasn’t responded to a request for validation of debt, or if they are harassing you, you can file legal action. Consult with an FDCPA lawyer who addresses debt collector harassment claims in your area.
Your lawyer will explain your rights in detail and will work to stop the harassment from USI Solutions, Inc., Complete the Free Case Evaluation Form on this page to share the details with an attorney who handles such cases in your area so you can regain control of the situation.
Additional Resources